The Bank of Soperton

The Bank of Soperton is headquartered in Soperton and is the 228^th largest bank in the state of Georgia. It is also the 6,874^th largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 12 employees at 1 location. The Bank of Soperton has a 1-star health rating.

Data for Q1 2012

Institution Statistics The Bank of Soperton FDIC Certificate # 889 BankRate Report View Year Established 1903 Employees 12 Primary Regulator FDIC Assets and Liabilities Assets $32.77 million Loans $14.89 million Deposits $29.88 million Equity Capital $2.60 million Loan Loss Allowance $246,000 Unbacked Noncurrent Loans $819,000 Real Estate Owned $1.77 million Historic Data - March 2011 Assets $36.78 million Equity Capital $3.11 million Loan Loss Allowance $689,000 Unbacked Noncurrent Loans $996,000 Real Estate Owned $937,000 Profit Margin - Quarterly Net Interest Margin 3.83% Return on Assets -0.51% Return on Equity -6.44% Interest Income $310,000

Institution Health Overall Score: 1 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The Bank of Soperton had $2.59 million in non-current loans and owned real-estate with $2.84 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Soperton a Texas Ratio of 91.17% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Bank of Soperton increased slightly from 50.91% as of March 31, 2011 to 91.17% as of March 31, 2012, resulting in a negative change of 79.08%. This indicates that the balance sheet and financial strength for The Bank of Soperton has declined slightly in recent periods. Deposit Growth In the past year, The Bank of Soperton has decreased its total deposits by -$2.97 million, resulting in -9.05% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Bank of Soperton has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Bank of Soperton has $32.76 million in assets with $2.84 million in equity, resulting in a capitalization level of 8.67%, which is average.

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